Many debtors express concern that a creditor will say they were defrauded when the debtor used the credit card filed bankruptcy wiping out the debt. I am often asked how far back will creditors look in deciding whether use of a credit card was fraudulent because the debtor did not have the intent or ability to repay the loan. Here is an interesting discussion of that question on another banruptcy website. Link: If I Charge On My Credit Card And Don’t Make A Payment, Is This Fraud? : Bankruptcy Law Network.